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Job Details

Responsibilities

This position resides in the Retail Credit Risk team, which is part of the Retail Risk Management organization. It is responsible for the quantitative development, implementation, and monitoring of credit risk strategies as well as the portfolio management for Consumer portfolios.

The individual filling this role will be responsible for managing risk and positives sales growth through the design and development of credit policy, credit strategies, and enhanced credit scores and infrastructure, including full accountability for implementation and monitoring of this policies and processes. The successful candidate for this role will be accountable for growth and loss risk dynamics, design of marginal cutoff logic based on behavioral odds, adherence to credit policy, and compliance with business and external regulatory requirements. This role requires an individual with credit risk management experience, strong statistical and analysis skills, extensive knowledge of financial lending industry.

The successful candidate must understand both the short term and long term portfolio profit dynamics for risk across various products. A strong understanding of the business linkages across consumer lending portfolios, particularly in assessment of risk/reward tradeoffs, and executions of needed controls. Expertise in portfolio forecasting, modeling and use of scorecards, and familiarity with operations policy and procedures is needed. The candidate must also understand the regulatory and compliance environment and potentially participate in audits and reviews.

Key responsibilities

Initiate and manage credit policy enhancements, including analysis and validation and testing of risk management policies and strategies to manage various aspects across credit lifecycle, including full accountability for implementation.

Implement initiatives to ensure consistency and compliance with credit policies and timely delivery of requirements.

Establish solid cross functional partnerships and networks to contribute and execute cross functional and business initiatives.

Qualifications

Qualifications:

The ideal candidate will have 5+ years of work experience in large, sophisticated, credit granting or risk management organization with a Bank, Consumer Credit Card, or Financial Services institution. Ideally with 3+ years of experience managing a team of analyst. This individual will bring a strong analytical orientation, and demonstrated record of performance including responsibility for balance growth and profitability. In addition, the successful candidate will possess and be able to exhibit the following skills and requirements:

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Hours
40
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